Last month, a record rainfall in the Windsor and Essex County area caused more than $124 million in insured damages, according to the Insurance Bureau of Canada (IBC).
No serious injuries were reported after a two-day rainfall at the end of August shut down streets in the southern Ontario city and flooded more than 1,000 basements.
It’s not yet clear how much the damage will cost the government and homeowners in total, but it is just the latest natural disaster in a year full of them, a fact that has the IBC warning the public that severe weather is here to stay.
“Climate change is causing severe weather events to happen more frequently and with greater intensity, especially storms involving floods,” said Kim Donaldson, the Ontario vice-president at IBC.
The IBC reminds homeowners to make sure they’re properly insured against flood damage whether that means having sewer backup coverage or overland flooding coverage. It’s also important to get an idea of how safe or how at risk your property is of being flooded.
Unfortunately, neither the government nor the insurance industry is very helpful when it comes to providing data on flood risk. Instead, homeowners can focus on preventing risk by flood-proofing their homes when severe rainfall approaches and contacting a home insurance provider to see what coverage is available to them.